Kenton County property record for 3204 Caroline St, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,280 sqft · built 1919 |
| Lot Size | 0.041 acres (1,775 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $112,000 (Jun 2022) |
| Tax Bill | $1,696 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-13-08-030.00 |
| Primary APN | 056-13-08-030.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,280 sqft Finished Area |
| Gross Area | 1,388 sqft |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1919 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 1,775 sqft (0.041 acres) |
| Lot Dimensions | 71 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 3204 CAROLINE ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1125 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEHON PT LOTS 99-100-101 25'X 71 2,3' ES CAROLINE 25' S 32ND |
| Legal Subdivision | SEHON |
| Legal Phase | 1 |
| Legal Lot Number | 99,100 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 61400 |
3204 Caroline St is owned and occupied by two individuals who bought it in June 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3204 CAROLINE ST, COVINGTON, KY 41015-1125 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2022 · Amount on File |
| Deed Sale | Jun 24, 2022 · Amount on File |
| Deed Document Number | 2022140 |
| Deed Book / Page | 173 / 385 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 24, 2022 |
| Property Address | 3204 CAROLINE ST, COVINGTON, KY 41015-1125 |
| Document Number | 0005900140 |
| Book / Page | 173 / 385 |
| Map Reference | PL 301 |
| Instrument Date | Jun 23, 2022 |
| Instrument | 22062405900140 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $112.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3079 ELMWOOD DR, 3079, EDGEWOOD, KY 41017-2316 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3204 CAROLINE ST, COVINGTON, KY 41015-1125 |
| Document Number | 0005900141 |
|---|---|
| Date | Jun 24, 2022 |
| Instrument | 22062405900141 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
The 2025 property tax bill for 3204 Caroline St was $1,696.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $133,100 (+3.98%) Land $10,000 Building $123,100 | $133,100 (+3.98%) Land $10,000 Building $123,100 | |
| 2025 | $1,696.00 | $128,000 Land $5,000 Building $123,000 | $128,000 Land $5,000 Building $123,000 |
| 2023 | $1,491.00 | $112,000 Land $5,000 Building $107,000 | $112,000 Land $5,000 Building $107,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3204 Caroline St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 3204 Caroline St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 663 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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